Know people by their Card...

rb10

Comyface wrote: »

When Lloyds took over Halifax, they seemed to agree with you. They published the 'customer types' they were going for with each brand. Halifax was 'stupid customers' and Lloyds TSB was 'clever customers'. I might be slightly paraphrasing but that was definitely the impression I got! lol

Comyface wrote: »

I've just had a mooch on Google but couldn't find anything, sorry. It must have been an internal communication, supposedly to reassure us that all brands were to remain as they were geared to different markets. I used to work for the Building Society and was offended at the time!

I also used to work for Halifax.

The information that I saw described that the aim of where they wanted to move to for the Group was:

Lloyds TSB and Bank of Scotland: People who value having what they believe is a deep relationship with their bank, unlikely to switch, not concerned about rates.
Halifax: People who choose their bank based on it being able to give good quality products.

Their differentiation between the three brands is, to put it simply, rate (Halifax) or service (Lloyds TSB/BOS).

This is based on the customers that they are actively targeting, i.e. full current account customers and not Easycash/basic bank accounts, which have a completely different customer profile.

On the issue of the 'simple' overdraft fees, I expect that all the banks will have moved to this fee structure before too long.

JuicyJesus

rb10 wrote: »

On the issue of the 'simple' overdraft fees, I expect that all the banks will have moved to this fee structure before too long.

I would not be so sure to bet on that. Halifax and Santander are totally alone with their policies, which have now been around for at least four years (in the case of Alliance and Leicester). Not a single other bank has taken the step of changing from interest to a flat daily fee. Lloyds came close with their £5 monthly fee, but that's it.

The reason for that is simple; a flat daily fee is a stupid idea. It's unconscionably expensive for small overdrafts and insanely underpriced with relation to risk for larger ones. If one of the big four were to introduce flat daily charging they would be finished.

Melissa22_Mum

jfh7gwa wrote: »

If I thought someone was watching me whilst dealing with a PIN transaction, I'd probably do the same (give them a stare back and make a point of covering up my input). So should you.

It's polite not to stare at someone whilst they're putting in their security details - whether the person looking is trying something dodgy (rarely) or just being a bit annoying (more likely).

Good security precautions don't make someone a "toffy nosed cow".

Ok, she WAS a toffee nosed cow. I didn't say everyone. Nobody was looking over her shoulder we were just stood there. Were not tramps but we don't exactly get dressed up to go to the supermarket. We weren't dressed in designer crap, just normal jeans and a t shirt kind of thing so she presumed we weren't fit to be in M&S food. I couldn't have cared less if she'd had a sandwich board with all her financial details on. She was acting like we weren't fit to be stood near her.

I use my card all the time I don't make a big deal of hiding my pin in a shop I just stand in front of the machine a bit. She was an a rse. Plain as.

TzarJay

Melissa22_Mum wrote: »

Ok, she WAS a toffee nosed cow. I didn't say everyone. Nobody was looking over her shoulder we were just stood there. Were not tramps but we don't exactly get dressed up to go to the supermarket. We weren't dressed in designer crap, just normal jeans and a t shirt kind of thing so she presumed we weren't fit to be in M&S food. I couldn't have cared less if she'd had a sandwich board with all her financial details on. She was acting like we weren't fit to be stood near her.

I use my card all the time I don't make a big deal of hiding my pin in a shop I just stand in front of the machine a bit. She was an a rse. Plain as.

Couldn't agree more with you. People don't relise how many snobs out there really do think that average people arn't fit to lace their shoe's. In retail, I've seen some, lets say, very ostentatious ways people have hiding there pin, usually so I dont see it. Forgetting there isnt a hell of a lot I could do with a 4 digit pin. Dont understand why some people still thinks if someone even looks in your direction when your entering your pin, by the time they find a cash machine it will read £0,00.

Some of the looks and attitudes I've had to deal with. I've never been rude to a customer or cheeky to them, as there really isn't much point, but some snobs really hate the thought of having to be served by someone like me, and will try and say as little words as possible.

[Deleted User]

thistledome wrote: »

The usual inverted snobbery and envy-dressed-up-as-satire from MSE forumites. How utterly banal.

WARNING!! Sense of humour failure!!!

:rotfl:

JacksterD

Hah, love it and from experience at work I think you're bang on.

You missed out one though - Co-Op/Smile:
Young, hippie looking people who like to think they live the ethical lifestyle but have no problem looking down on people who work menial jobs.

EDIT: And that's coming from someone who uses the Co-Op Bank :-P

gallygirl

JacksterD wrote: »

You missed out one though - Co-Op/Smile:
Young, hippie looking people who like to think they live the ethical lifestyle but have no problem looking down on people who work menial jobs.

Glad you think I'm a young hippie . Don't think the rest applies though .

What about a Tesco credit card? Is it 'better' or 'worse' than Asda .